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This is in addition to the elective deferral limit above. Catch-up contributions are excluded from testing. Defined Contribution Annual Additions Limit: The limit for all contributions, (e.g. deferral + match + profit sharing + money purchase), made into a participantâs account(s) will be $53,000 for 2015. Rollover and Catch-up Contributions are not included in this limit.
The profit sharing feature of your retirement plan allows you to make an additional contribution of up to 25% of your salary or earnings. The total amount of both the 401k deferrals and the profit sharing contributions are limited to a maximum of $52,000 in 2014. The maximum amount for 2015 is increased to $53,000.ou can establish your 401k-Profit Sharing plan through a financial institution such as a mutual fund company, a securities brokerage firm, a bank, or an insurance company. There are also 401k retirement plan specialists who can design and customize your retirement plan.